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Granger National Bank, The

Granger, TX · Cert 3232 · Granger Bancshares Inc.

National charter · OCC · 1 branch

Q2 2026

$53.5MAssets
$29.8MLoans
$47.2MDeposits
$5.6MEquity
Loan mix
73%RE $17.4M26%C&I $6.2M1%Consumer $0.3MQ2 2025Q2 2026
Deposit mix
75%Interest-bearing $35.6M25%Noninterest $11.6MQ2 2025Q2 2026

NIM

3.81%Q2 ’244.58%Q2 ’254.79%Q2 ’26+29%+5%

Non-interest income vs. expense

3.26%Q2 ’244.84%Q2 ’254.29%Q2 ’26+55%-14%

Market Position · Austin-Round Rock-San Marcos, TX · 2026 SOD (annual) · 0.1% share · #58 of 73 inst. · $0.0B of $70.4B

Executive Summary

  • Earnings: ROA of -0.63%, up 44 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.11% of loans (+6 bps YoY), with net recoveries of 0.01%.
  • Capital: tier 1 leverage ratio of 13.58%, down 178 bps from a year ago.
  • Funding: loans stand at 63.03% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.63%+44 bps YoY

Net Interest Margin (YTD, annualized)

3.34%+17 bps YoY

Efficiency Ratio (YTD, annualized)

115.44%-2,348 bps YoY

Tier 1 Leverage Ratio

13.58%-178 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-1.07%-1.10%-1.13%-0.65%-0.63%+44 bps
Return on Equity-8.90%-9.16%-9.56%-5.88%-5.80%+310 bps
Net Interest Margin3.18%3.24%3.10%3.38%3.34%+17 bps
Efficiency Ratio138.91%139.13%139.69%120.12%115.44%-2,348 bps
Non-Interest Burden4.53%4.65%4.47%4.13%3.92%-62 bps
Growth
Asset Growth (YoY)8.95%3.92%11.55%6.87%11.72%+277 bps
Loan Growth (YoY)163.28%51.47%26.62%21.24%37.22%-12,607 bps
Deposit Growth (YoY)10.61%5.11%11.25%6.87%13.29%+268 bps
Asset Quality
Nonperforming Loans / Loans0.05%0.17%0.15%0.24%0.11%+6 bps
Net Charge-Offs / Loans-0.78%-0.48%-0.34%-0.03%-0.01%+77 bps
Allowance / Loans1.51%1.39%1.35%1.33%1.25%-26 bps
Allowance Coverage of NPLs32.8x8.4x8.8x5.7x11.7x-21.1x
Capital
Tier 1 Leverage Ratio15.36%15.39%14.44%13.83%13.58%-178 bps
Total Risk-Based Capital15.36%15.39%14.44%13.83%13.58%-178 bps
Equity / Assets11.94%12.01%11.12%11.16%10.55%-139 bps
Liquidity & Funding
Loans / Deposits52.04%55.00%52.59%55.94%63.03%+1,099 bps
Liquid Assets / Assets7.43%4.93%7.49%3.41%3.26%-417 bps
CRE / Total Capitaln/a119.14%131.64%138.18%n/an/a